Analisis Pengaruh Literasi Keuangan Dan Faktor Demografi Terhadap Pengambilan Kredit Pada PT. Columbia Cabang Kudus

Alina Tsalitsa, Yanuar Rachmansyah

Abstract


Abstrak

            Tujuan penelitian ini adalah untuk menguji faktor-faktor yang dapat mempengaruhi pengambilan kredit di PT. Columbia Subdivisi Kudus, yang terdiri dari literasi keuangan, dan faktor-faktor demografi (umur, penghasilan, profesi dan pendidikan).  Sampel penelitian sejumlah 100 orang yang diambil dengan purposive sampling dan cluster sampling. Teknik Analisa data menggunakan regresi linier berganda.

            Hasil penelitian memperlihatkan bahwa literasi keuangan dan penghasilan memiliki pengaruh positif terhadap pengambilan kredit. Sedangkan umur, profesi dan pendidikan memiliki pengaruh negative terhadap pengambilan kredit. Nilai adjusted R2 didapatkan sebesar 56,8 %, sehingga dapat diartikan bahwa variable pengambilan kredit dapat dijelaskan oleh variable independen yang terdiri dari : literasi keuangan, faktor-faktor demografi (umur, penghasilan, profesi, pendidikan), sedangkan sebesar 43, 2 % dijelaskan oleh variabel yang lain.

 

Kata kunci: literasi keuangan, faktor-faktor demografi, pengambilan kredit

 

Abstract

 

This study aims to examine the factors that can influence taking of credits in PT. Columbia subdivision Kudus. The factors that are expected to influence taking of credit in terms of behavioral is the financial literacy, demographic factors (age, income, profession and education). The number of samples taken as many as 100 by using purposive sampling and cluster sampling. Data analysis techniques used in this research is multiple linear regression.

            The results showed that the variables financial literacy and income had positive influence on taking of credits. While the variables age, profession and education has negative influence on taking of credits. Of this study obtained Adjusted R2 value of 0.568 or 56.8 %. This means that 56.8 % variable taking of credit can be explained by the independent variable that is financial literacy, demographic factors (age, income, profession and education). The remaining portion of 43.2 % is explained by other variables.

 

Keywords: Financial Literacy, Demographic Factors, Taking Credit



DOI: http://dx.doi.org/10.24856/mem.v31i1.280

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